I wish they sold travel insurance that compensates you if your airplane seatmate
hogs the armrest. I would buy it.

I can sort of understand why
someone would buy travel insurance for medical emergencies. If you need to be
medically evacuated back to the U.S. or have your remains repatriated (God
forbid), insurance might make sense.

Trip cancellation insurance is
not always a decent deal. You can't just cancel your trip on a whim
because you suddenly decide to stay home and watch a beauty contest on TV
instead. You must often have a rock-solid reason for canceling and you must
often prove that the cancellation is beyond your control (e.g., you're in
jail.)

I use Southwest whenever I can because there are no change
fees. Once I changed my Southwest travel plans several hours before a flight
when I already had a boarding pass, and it was a breeze. (Disclaimer: I own 100
shares of LUV.) Unfortunately, more and more hotels and car rental companies
tempt me to purchase non-refundable, no-change reservations, and when I am
forced to change my plans it really stings. But that's the way free
enterprise works.